Date Received: 2023-12-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Dear CFPB, I am writing to file a complaint regarding multiple unresolved issues with my Apple Card. First and foremost, a dispute of mine has been supposedly resolved, but I have not received the credited amount. Furthermore, I did not receive any email confirming the resolution. However, my account still displays the transaction as " under review '' instead of the correct status, which should be " credit applied. '' Despite numerous attempts through SMS and phone calls, the issue remains unresolved. Transaction details : {$130.00} on XXXX XXXX XXXX XXXX The second issue involves a purchase on XXXX, where I cancelled the order immediately to change the payment method. However, both XXXX and Apple Card are deflecting responsibility, each claiming the other is holding the funds. The correct procedure should be an immediate refund. Transaction details : {$110.00} on XXXX XXXX XXXX XXXX I have raised the possibility of a system issue with the bank multiple times, but no resolution has been provided. I request regulatory authorities to oversee the recent actions of Apple Card. Sincerely, XXXX
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.
Company Response:
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/XXXX Apple Golman sack bank charged my XXXX debit card account for an obviously fraudulent amount. I reported it to them on XX/XX/XXXX. They could never explain what that was for and recommended to dispute with my debit card bank. I did just that. So my debit card bank XXXX originated the dispute and froze my debit card account. Apple GS bank immidiately reported to all credit bureaus that I missed a payment and ruined my credit history because my score dropped by at least XXXX points. I called Apple Golden sack bank again on XX/XX/XXXX and requested to initiate now THEIR own internal dispute ( which is what they were supposed to do back on XX/XX/XXXX when I called first time ). They finally did - ref # XXXX. Though, today, XX/XX/XXXX I have learned that Apple GS bank made a decision that this balance {$130.00} is valid and that I'm responsible for it. They failed to provide with any statements or any details on what this balance is about or any basis for their decision in response to my dispute and fraud investigation whatsoever!! Please don't let them to get away with this!!!
Company Response:
State: MA
Zip: 01876
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Opened Apple Card for the savings account interest rate, was unable to add funds through convoluted system and requested account be closed. Was told account was closed, but still receiving statements and account appears to remain open.
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: My mother and I jointly hold two CDs at Marcus by Goldman Sachs. The values of the CDs are {$50000.00} and {$25000.00}. My mother, XXXX XXXX, passed away on XXXX XXXX XXXX About a week after her passing, I notified the institution. I was informed that they would close the CDs WITHOUT EARLY WITHDRAWAL PENALTY upon receiving a certified death certificate and a " Letter of Intent '' directing the institution to close the accounts and on where to send the funds. Those documents were provided to the institution on XX/XX/2023. The following is a timeline of pertinent conversation with the institution : XXXX Verified receipt of death certificate and letter of intent. Told that process will take 3-5 business days. XXXX Requested update. Told that process takes 10 business days. XXXX Requested update. Told that process takes 3-4 weeks. Confirmed that request is being expedited. Requested call from supervisor. XXXX Supervisor called. Stated that accounts would be closed in 5 business days. XXXX Requested update. Told that accounts would be closed in 48 hours. XXXX Requested updated. Told that request has been expedited but could not give any timeline. NOTE : THere are two CDs. The fields below only allow listing one account number.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have been disputing this charge for an unauthorized transaction {$1200.00} that I never ordered or authorized. Ive been going back and fourth with Goldman Sachs ( Apple Card ) since XXXX. XXXX the merchant was no help to the problem. I submitted a police report for items not received by me and ordered on my ACC fraudulently. They still have yet to resolve my case. They were unable to provide proof of signature upon delivery.
Company Response:
State: CA
Zip: 92703
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When logging into my app which is GM Marcus with Goldman Sachs, it asked me to pay a minimum balance of {$170.00}. Upon paying that amount what was due it than said I owed {$26.00} and marked my account as late and delinquent. I have never missed a payment as being an business owner in this matter, Also this account is a business account which shouldn't be reporting on to my personal credit at all. I've have reached out to the company they told me that they were disputing this situation due to their mistake of an technical issue from their company 's app, but instead of removing the entire account from my personal credit report they only updated the remarks on this situation which is still inaccurate information. This issue has left me homeless I was in the middle of closing on a purchase for my home for me and my family, and was unable to do so due to the derogatory which dropped my XXXX XXXX over XXXX points on all XXXX credit reports. I lost out on my escrow money because of this derogatory item on my credit report as well which again took away from me and my family. This is against my civil rights they failed to comply according to 15 USC 623 a code, I can not apply for anything nor am I able to provide for my family in this matter due to them not removing this account from my credit report for their mistake. I have proof of screenshots from the inaccurate reporting as well as they have numerous of recorded calls of me trying to resolve this issue. The screenshot will show as well the different errors in what's due each month as well as them only updating the remark and not complying to them telling me they will put in the dispute to have this account removed from my credit report.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: This is regarding XXXX XXXX ( charged {$650.00} out of {$1300.00} on XX/XX/2023 ). This dispute is for XXXX of the XXXX charges associated with the same online Apple order # XXXX ; the other charge, the first charge out of the XXXX, is the transaction in dispute in apple card Dispute XXXX ( charged {$740.00} out of {$1300.00}, on XX/XX/2023 ). Thus, this {$650.00} is the other half of the {$1300.00} amount charged by Apple associated with the online Apple order # XXXX ( see page XXXX of this letter screenshot of the apple order showing {$650.00} credit was given at the time, which apple is now charging ). The {$650.00} credit was given as part of a trade in program but the credit was applied to XXXX XXXX order # XXXX. But as I stated in Dispute XXXX ( disputing the first half, {$740.00} of the XXXX ) I RETURNED THE APPLE XXXX FROM THE ORDER so there should be no reversal or charge related to the trade in credit which is the reason apple charged me {$650.00}. I returned the XXXX XXXX XXXX XXXX XXXX in the XXXX order so ALL of the {$1300.00} should be refunded to me, including the {$650.00} from this dispute ( XXXX ) and the {$740.00} from the Dispute XXXX XXXX Please see page XXXX of this letter where I attach the XXXX prepaid return label that apple gave me. Please see page XXXX of this letter where XXXX tracking shows it was received by Apple. Please see page XXXX of this letter where the Apple representatives confirm over text the warehouse has received the merchandise return and also see page XXXX where I filed the police report they told me to because apparently their warehouse lost my return because XXXX says it was received by Apple. SEE PAGE XXXX where the apple representative tells me the {$740.00} + the {$650.00} instant credit will ALSO be refunded. I am owed the {$650.00} in this dispute XXXX and the {$740.00} in dispute XXXX, because BOTH are charges related to the same Apple order WHICH I RETURNED TO XXXX on XX/XX/2023 WELL WITHIN THEIR RETURN WINDOW. I am filing this complaint against Goldmans Sachs because Apple should NOT have been able to charge me even more money for the same order I put in dispute, and I told goldmans to put both of these transactions in XXXX dispute but clearly goldman is not taking my word for truth because I am XXXX and have XXXX last name, discrimination against me will not stand, the XXXX tracking shows apple received my return XXXX tracking says Signed for by : A.PPLE and it is Apples own prepaid return label that directed this delivery of the return. If their warehouse lost it, it is not my problem or fault. My money is still owed to me under the XXXX for my proper return. Sincerely, XXXX XXXX XXXX
Company Response:
State: WA
Zip: 98166
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Credit Report and subsequent credit report investigations contend that I was more than 30 days late on my Goldman Sachs Apple Card account twice ( XX/XX/XXXX and XX/XX/XXXX ) when payments were made under an agreed to payment relief plan offered by the lender. Calls to both Apple Card and the credit reporting bureaus yielded no results. They blamed the other party and instructed me to contact the other party, stating there was nothing they could do. I have never missed a payment, ever, including on any of my other accounts. I made payments as agreed to by the lenders payment assistance plan offer. Please remove these late payments from my report as they have prevented me from obtaining financial products over two times now.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After graduation from college, I got a XXXX to play XXXX in a junior college an opportunity opened up for me to play XXXX XXXX in XXXX and I took the opportunity and left and moved to XXXX to pursue a XXXX career. I was mainly living in XXXX during the following years : XXXX. After returning to the US I decided to apply for credit and I was given an auto loan but was also asked about other accounts on my credit. I first noticed then that my personal information had been used to open bank accounts for credit cards and even auto loans. Recently I was attempting to see if I could buy a house and got a hold of a credit profile and some accounts are reporting that I have never opened and have balances. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Apple Card/GS Bank USA I am not sure how when or who may have or may be using my information and at this point, I need to alert the authorities so we can make sure the two accounts get resolved and removed from my credit profile. In addition, I need to please a security alert so that no one can continue to open accounts under my name and social security number.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A